Call reports 2014
GEORGIA COMMUNITY BANK — 2014
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 142,889,000 | 141,142,000 | 140,544,000 | 144,623,000 |
| Total loans | 109,638,000 | 110,044,000 | 111,916,000 | 112,329,000 |
| Allowance for loan losses | 1,361,000 | 1,411,000 | 1,550,000 | 1,866,000 |
| Securities available for sale | 15,452,000 | 13,122,000 | 13,658,000 | 12,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,179,000 | 125,306,000 | 123,929,000 | 130,363,000 |
| Interest-bearing deposits | 107,637,000 | 107,611,000 | 105,722,000 | 105,635,000 |
| Noninterest-bearing deposits | 19,542,000 | 17,695,000 | 18,207,000 | 24,728,000 |
| Equity capital | 15,104,000 | 15,098,000 | 15,372,000 | 13,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,458,000 | 5,296,000 | 6,977,000 |
| Interest expense | 303,000 | 597,000 | 892,000 | 1,186,000 |
| Net interest income | 1,413,000 | 2,861,000 | 4,404,000 | 5,791,000 |
| Noninterest income | 157,000 | 337,000 | 449,000 | 468,000 |
| Noninterest expense | 1,014,000 | 2,063,000 | 3,031,000 | 4,228,000 |
| Provision for loan losses | 60,000 | 172,000 | 262,000 | 2,152,000 |
| Pretax income | 496,000 | 974,000 | 1,570,000 | -103,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 496,000 | 974,000 | 1,570,000 | -103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,410,000 | 15,288,000 | 15,524,000 | 13,851,000 |
| Total capital | 16,700,000 | 16,557,000 | 16,811,000 | 15,135,000 |
| Risk-weighted assets | 103,164,000 | 101,425,000 | 102,742,000 | 102,156,000 |